following the financial services industry and dodd frank, i know it's your favorite bill, it's much loved across the land. >> certainly. >> paul: but most of these bills, most of the rules, i think, haven't been written. >> you think of the first obama term with its slow growth, and regulatory frenzy, a nightmare, but really, from that 2010 law, most of the burden on the economy hasn't happened yet. the law firm does a scoreboard and they say they're 398 rule makings, separate rule makings that were required by the law. >> these are relatively major. >> yeah, really, remaking the financial markets, only a third of them have been enacted, so, most of the big regulatory footprint is coming in the second obama term, even from the law that was passed. >> and give us an example or two? >> well, it runs the gamut from derivatives trading on wall street to bank regulation and consumer loans, it's all over the board and on top of that, you have what bankers called the basel standards so these are incredibly complicated rules, for the financial crisis now coming back more complicated. so it's opti